{\footnotesize \begin{tabular}{l c c c c c c c c c c c c c c c} \hline \toprule         & \multicolumn{7}{c}{\textbf{1-4 Quarters After Filing}}         & & \multicolumn{7}{c}{\textbf{5-8 Quarters After Filing}} \\
\cmidrule{2-8} \cmidrule{10-16}
& \multicolumn{3}{c}{Non-Great Recession} & & \multicolumn{3}{c}{Great Recession} &         & \multicolumn{3}{c}{Non-Great Recession} & & \multicolumn{3}{c}{Great Recession} \\
\cmidrule{2-4} \cmidrule{6-8} \cmidrule{10-12} \cmidrule{14-16}
& $ {\scriptsize \mathbb{E}[Y \vert E=0]}$ & OLS & IV &         & $ {\scriptsize \mathbb{E}[Y \vert E=0]}$ & OLS & IV &         & $ {\scriptsize \mathbb{E}[Y \vert E=0]}$ & OLS & IV &         & $ {\scriptsize \mathbb{E}[Y \vert E=0]}$ & OLS & IV \\
& (1) & (2) & (3) & & (4) & (5) & (6) & & (7) & (8) & (9) & & (10) & (11) & (12) \\
\cmidrule{2-4} \cmidrule{6-8} \cmidrule{10-12} \cmidrule{14-16}
\multicolumn{16}{l}{ } \\
Financial health index:     & -0.032              & -0.147***             & -0.362*** &                                                 & -0.102              & -0.115***             & -0.060 &                                                 & 0.016              & -0.162***             & -0.086  &                                                 & -0.077              & -0.092***             & -0.495 \\
& (0.984)            & (0.009)             & (0.118)  &                                                  & (0.992)            & (0.011)             & (0.154)  &                                                 & (1.019)            & (0.010)             & (0.206)  &                                                  & (0.979)            & (0.012)             & (0.361) \\
& \multicolumn{3}{r}{[30,633]} &                                                 & \multicolumn{3}{r}{[52,702]} &                                                 & \multicolumn{3}{r}{[45,385]} &                                                 & \multicolumn{3}{r}{[38,396]}  \\
\midrule
\multicolumn{16}{c}{ } \\
Credit Score: & 530.51            & -9.62***             & -1.35 &                                                 & 532.80              & -8.92***             & -14.73 &                                                 & 535.65              & -10.55***             & -16.15  &                                                 & 537.73              & -8.05***             & -42.86* \\
& (73.64)            & (0.71)             & (10.72)  &                                                  & (74.28)            & (0.77)             & (11.91)  &                                                 & (75.79)            & (0.75)             & (12.82)  &                                                  & (73.12)            & (0.83)             & (24.90) \\
& \multicolumn{3}{r}{[33,067]} &                                                 & \multicolumn{3}{r}{[58,327]} &                                                 & \multicolumn{3}{r}{[48,988]} &                                                 & \multicolumn{3}{r}{[42,196]}  \\
\midrule
\multicolumn{16}{c}{ } \\
No open revolving account:  & 0.556              & 0.047***             & -0.031 &                                                 & 0.606              & 0.024***             & -0.107* &                                                 & 0.552              & 0.054***             & -0.021  &                                                 & 0.632              & 0.010**             & 0.306* \\
& (0.497)            & (0.004)             & (0.063)  &                                                  & (0.486)            & (0.004)             & (0.057)  &                                                 & (0.497)            & (0.005)             & (0.125)  &                                                  & (0.479)            & (0.005)             & (0.185) \\
& \multicolumn{3}{r}{[33,312]} &                                                 & \multicolumn{3}{r}{[58,716]} &                                                 & \multicolumn{3}{r}{[49,305]} &                                                 & \multicolumn{3}{r}{[42,457]}  \\
\midrule
\multicolumn{16}{c}{ } \\
Total balance: collections  & 2,746              & 53             & 895 &                                                 & 2,767              & 54             & 667 &                                                 & 2,593              & -81             & 423  &                                                 & 2,427              & 20             & 1,281 \\
and delinquencies:  & (5,572)            & (64)             & (903)  &                                                  & (5,462)            & (44)             & (936)  &                                                 & (5,424)            & (52)             & (1,071)  &                                                  & (5,131)            & (53)             & (1,821) \\
& \multicolumn{3}{r}{[30,711]} &                                                 & \multicolumn{3}{r}{[52,826]} &                                                 & \multicolumn{3}{r}{[45,478]} &                                                 & \multicolumn{3}{r}{[38,520]}  \\
\midrule
\multicolumn{16}{c}{ } \\
Any auto loan or lease:     & 0.216              & -0.044***             & -0.293*** &                                                 & 0.186              & -0.037***             & 0.016 &                                                 & 0.219              & -0.057***             & 0.073  &                                                 & 0.173              & -0.036***             & -0.046 \\
& (0.412)            & (0.004)             & (0.080)  &                                                  & (0.387)            & (0.003)             & (0.062)  &                                                 & (0.413)            & (0.004)             & (0.072)  &                                                  & (0.375)            & (0.004)             & (0.143) \\
& \multicolumn{3}{r}{[33,312]} &                                                 & \multicolumn{3}{r}{[58,716]} &                                                 & \multicolumn{3}{r}{[49,305]} &                                                 & \multicolumn{3}{r}{[42,457]}  \\
\bottomrule \\
\end{tabular} }
